If there’s something good to be said about record-low CD rates, it’s that it doesn’t take much to be competitive.

But the big banks still manage to screw it up.

Still, at this moment, the biggest bank of all — Chase — can claim above-average rates in two terms.

Two!

I’m still not sure if Chase should be advertising “great rates for Chase customers.” But I understand that it has a certain ring to it, even if it is a little misleading.

Chase’s 60-month CD special remains at 1.25% APY with a $10,000 minimum deposit.

(For the record, I checked ZIP codes in California, Florida, Illinois, Michigan, New Jersey and New York at www.chase.com. As with all big banks, always input your ZIP code on the website to find your rates.)

That’s almost a full percentage point lower than the 2.20% APY you’ll find on our CD Rates Leaderboard.

But it does beat the average 60-month CD rates offered by large banks and thrifts, which is 1.19%.

Chase’s 36-month CD special is also a “winner” at 0.75% APY. It too requires a $10,000 minimum deposit.

That beats the average rate of 0.69% APY, but not the top nationally available rate of 1.65% APY on the CD Rates Leaderboard, which Doral Bank Direct is offering with a $1,000 minimum deposit.